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FEDERAL RESERVE BAIMK OF WEW YORK July 6, 1988 To A ll Banking Institutions in the Second Federal Reserve District: T he C om ptroller o f the C urrency has advised us th a t a certificate o f au th o rity to com m ence business has been issued to Saratoga N ational Bank & T rust C ompany, S aratoga Springs, New Y ork. This newly organized bank was established and opened for business on July 1, 1988. By virtue o f its being a national bank, it has becom e a m em ber o f the Federal Reserve System . T he capital stock o f the bank is $2,100,000, and its surplus is $700,000. O fficers o f the b ank are: P hilip R. Stephenson President J ohn C. Van Leeuwen Vice President and Cashier The routing num ber o f the bank is encoded 0213-1152, check digit 9. E. G erald C orrigan , President.
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